I lost my pawn ticket — how do I redeem my item?
Last updated: 2026-07-11 · Educational content; not legal advice.
Short answer
Losing the pawn ticket does not forfeit your item; it just means you must prove you are the pawner. PD 114 requires the pawnshop to keep a memorandum book recording each loan with the pawner's name, address and a description of the pawner (§11) and to issue a ticket carrying the substance of that record (§12) — so the pawnshop has its own record to match you against. In practice, to redeem without the ticket you execute a notarized Affidavit of Loss describing the lost ticket and the pawned item, and present a valid government ID matching the name and address on the pawnshop's record. Pawnshops such as M Lhuillier and Cebuana Lhuillier have a standard lost-ticket process; ask the branch for its exact requirements and get a receipt for anything you sign.
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Frequently asked
Do I lose my item if I lose the ticket?
No. The item is your property held as a pledge; the ticket is evidence, not the pledge itself. Because PD 114 §11 requires the pawnshop to record your name, address and description, it can verify you against its own memorandum book even without the ticket.
What is an Affidavit of Loss and why do I need it?
It is a sworn, notarized statement describing the ticket you lost and the item you pawned, protecting both you and the pawnshop against a false claim by someone else. Most pawnshops require it plus a matching valid ID before releasing the item; ask the branch for its written checklist.
Can the pawnshop refuse to help me at all?
It can require reasonable proof of identity, but it should not use a lost ticket as a pretext to keep or sell your item — the redemption right in PD 114 §13 is yours. If a branch stonewalls despite proper ID and an affidavit, escalate to the BSP Consumer Assistance Mechanism.
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Your rights when you pawn an item at M Lhuillier, Cebuana Lhuillier, Palawan, or any pawnshop — the 90-day redemption period, auction of unredeemed items, lost pawn tickets, and legal charges under PD 114 and BSP supervision.